Federal credit union · Newark, New Jersey · NCUA charter #10803
Israel Memorial a M E
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $406K
- Total assets
- 186
- Members
- 15.9%
- Net-worth ratio
Israel Memorial a M E - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #10803, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Israel Memorial a M E - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth60
- Liquidity (loan-to-share)75
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
15.86% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.86% | 30% |
| Delinquency Rate | 12.04% | 25% |
| Return on Assets | 1.76% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 53.54% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $406K | 186 |
| 2024Q4 | $379K | 186 |
| 2023Q4 | $341K | 183 |
Credit Union Details
- Charter Number
- 10803
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New Jersey
- City
- Newark
- Data Quarter
- 2025Q4
What This Data Says About Israel Memorial a M E
Headquartered in Newark, New Jersey, Israel Memorial a M E is a federal credit union with 186 members, $406K in total assets, and $129K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 65/100 (Good), driven in part by a net worth ratio of 15.86% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #10803 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
Deposits deployed into lending sit at a 53.54% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 12.04% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Return on assets stands at 1.76% on net income of $7K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.00%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Israel Memorial a M E financially healthy?
Yes/no aside, the number is 65/100 (Good) - Israel Memorial a M E's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.86% net worth ratio and 12.04% delinquency rate are the key drivers.
How does Israel Memorial a M E compare to other credit unions?
PlainCU's health composite puts Israel Memorial a M E at 65/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Israel Memorial a M E?
Israel Memorial a M E operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Israel Memorial a M E directly for the exact boundaries and application steps.
Is my money safe at Israel Memorial a M E?
Federal credit unions like Israel Memorial a M E are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Israel Memorial a M E's net worth ratio of 15.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Israel Memorial a M E offer compared to banks?
Credit unions like Israel Memorial a M E are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Israel Memorial a M E directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.